Financial Aid
Pacific West Academy is an approved partner school with Edly, giving students a new way to fund their education in our Certified Executive Security Specialist (CESS) program.
Edly offers Income-Based Repayment (IBR) loans – a flexible alternative to traditional private student loans. Instead of fixed monthly payments regardless of your circumstances, Edly loans are designed around what you can actually afford.
With most fixed-rate or variable-rate private student loans, your monthly payment doesn’t change based on your situation – you’re expected to pay the same amount whatever your income or employment status. Edly IBR loans adjust to the income you report each year instead.
Loan Benefits
- No cosigner required on Edly’s IBR No Cosigner loan
- No credit history needed to apply
- Payments based on income after you complete the program — not a one-size-fits-all payment schedule
- Forbearance options if you lose your job or earn below $30,000 annually, so you can avoid negative credit reporting
- Fast application — pre-qualify online in minutes, with no impact to your credit score
- 1% interest rate discount when you enroll in automatic payments
- No penalty for early repayment — pay off the balance at any time
- Dedicated support from Edly’s Student Success Team throughout the application and loan process
This is especially good news for prospective students who don’t qualify for VA education benefits, or who need to close a funding gap between other aid and the full cost of the CESS program.
How the Process Works
- Apply and check your rate: Create your Edly account through Pacific West Academy’s application link and check your eligibility in minutes. You may receive up to three loan options to choose from.
- Edly pays tuition to the school: Once the loan is fully originated and you’ve set up your servicing account, Edly sends the funds directly to Pacific West Academy.
- Focus on your training: You concentrate on completing the CESS program while staying in control of your finances.
- Start your career: After completion, you use your new skills to secure employment — which can help you pay off your IBR loan faster.
Loan Options
You make fixed payments while in school, with post-completion payments based on a percentage of your income.
| Edly Loan Product | In-School Monthly Payment | Post-Completion Monthly Payment | Repayment Term |
|---|---|---|---|
| No-Cosigner IBR Loan - Flex Payments For students who want to limit out-of-pocket expenses while in school. $25/month in-school payments build credit and encourage good repayment habits. | $25 | IBR % of income | Make 84-120 monthly income-based payments, or pay off the accrued balance at any time. |
| No-Cosigner IBR Loan - Standard Payments For students who want a lower interest rate and less in-school interest accrual. In-school payments of $50/month on a $10,000 tuition amount, prorated to the actual amount. | $50 | ||
| Cosigned IBR Loan For students and cosigners who want the lowest interest rate available. In-school payments are a flat $25/month regardless of loan size. Eligible for cosigner release after six post-completion payments. | $25 |
| Edly Loan Product | No-Cosigner IBR Loan - Flex Payments For students who want to limit out-of-pocket expenses while in school. $25/month in-school payments build credit and encourage good repayment habits. | No-Cosigner IBR Loan - Standard Payments For students who want a lower interest rate and less in-school interest accrual. In-school payments of $50/month on a $10,000 tuition amount, prorated to the actual amount. | Cosigned IBR Loan For students and cosigners who want the lowest interest rate available. In-school payments are a flat $25/month regardless of loan size. Eligible for cosigner release after six post-completion payments. |
|---|---|---|---|
| In-School Monthly Payment | $25 | $50 | $25 |
| Post-Completion Monthly Payment | IBR % of income | IBR % of income | IBR % of income |
| Repayment Term | Make 84-120 monthly income-based payments, or pay off the accrued balance at any time. | Make 84-120 monthly income-based payments, or pay off the accrued balance at any time. | Make 84-120 monthly income-based payments, or pay off the accrued balance at any time. |
In-school payment amounts are prorated based on your actual loan size. Repayment term varies by school program and other factors.
Ready to see what you qualify for?
Edly Income-Based Repayment (IBR) Loans are financed by Transportation Alliance Bank dba TAB Bank, which determines qualifications for and terms of credit. Students must be U.S. citizens or permanent residents and enrolled at a qualifying institution. In-school payment amounts are prorated based on your actual loan size, and repayment terms vary by school program and other factors.
Before applying for a private student loan, consider your VA education benefits and other financial aid first. Speak with our enrollment team about how Edly fits alongside your other funding options.
Want To Know More?
Get in touch with us to get more information about our Executive Protection Training Programs or to ask us a specific question you weren’t able to find the answer to on our website.